Glass Jacobson Wealth Advisors

Glass Jacobson Investment Advisors, LLC 10055 Red Run Blvd Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 Part 2A of Form ADV: Firm Brochure This brochure provides information about the qualifications and business practices of Glass Jacobson Investment Advisors, LLC, d/b/a Glass Jacobson Wealth Advisors (“Glass Jacobson” or the “Company”). If you have any questions about the contents of this brochure, please contact us at 443-384-6888 or by mail to the above-listed address. The information contained in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities regulatory authority. Glass Jacobson is registered as an investment adviser with the SEC. The firm’s registration does not imply a certain level of skill or training. www.adviserinfo.sec.gov Additional information about Glass Jacobson is available at . The information included in this brochure is intended to provide you with useful information to evaluate our services and enable you to compare our services with those of other advisory firms.  ITEM 2. MATERIAL CHANGES This Brochure dated March 11, 2026 contains material changes since our last annual Brochure update on January 2, 2026 We have updated the following Items in this filing: Item 4, Item 5, Item 7, Item 10, Item 12, Item 13, Item 14, and Item 18. Please review our updated discussion. Mercer Global Advisors Inc. has entered into an agreement to acquire Glass Jacobson Investment Advisors, LLC. The transaction closed on November 30, 2025, and resulted in a change of ownership. Mercer Global Advisors Inc. owns one hundred (100%) percent of the operating assets of Glass Jacobson Investment Advisors, LLC. Due to the acquisition of Glass Jacobson Investment Advisors, LLC, the firm has provided notice to affected clients of the assignment to Mercer Global Advisors Inc. (a SEC-registered investment advisor) of such clients’ advisory arrangements with Glass Jacobson Investment Advisors, LLC to the extent required under applicable law. Once the account transfer process is complete at the custodial level, Glass Jacobson Investment Advisors, LLC will file a Form ADV-W to terminate its registration with the SEC and wind down its advisory business. Copies of Mercer Global Advisors’ ADV Part 2A, Form CRS and Privacy Notice are available upon request by calling 888.885.8101 or at www.merceradvisor.com. Additionally, effective January 1, 2026, our Chief Compliance Officer has changed from Avrahm Levitan to Jonathan Dinkins. ITEM 3. TABLE OF CONTENTS Clients may request a copy of this Form ADV Part 2A at any time without charge by sending a written request to our Chief Compliance Officer at our address or by e-mail to srdinkins@gjwadvisors.com. Item 4. Advisory Business Item 5. Fees and Compensation Item 6. Performance-Based Fees and Side-By-Side Management Item 7. Types of Clients Item 8. Methods of Analysis, Investment Strategies and Risk of Loss Item 9. Disciplinary Information Item 10. Other Financial Industry Activities and Affiliations Item 11. Code of Ethics Item 12. Brokerage Practices Item 13. Review of Accounts Item 14. Client Referrals and Other Compensation Item 15. Custody Item 16. Investment Discretion Item 17. Voting Client Securities Item 18. Financial Information Item 19. Requirements for State-Registered Advisers Pg. 3 Pg. 6 Pg. 9 Pg. 9 Pg. 9 Pg. 11 Pg. 11 Pg. 12 Pg. 12 Pg. 16 Pg. 17 Pg. 17 Pg. 17 Pg. 18 Pg. 18 Pg. 18  ITEM 4. ADVISORY BUSINESS DESCRIPTION AND HISTORY OF ADVISORY BUSINESS: The Company offers a proactive, integrated approach to financial services. Our integrated services include divorce & litigation support, investment advisory services, financial planning, and ERISA retirement plan services. Bringing these services together allows our clients to see their personal finances in the entirety and make better decisions for business and life. Messrs. Edward Jacobson, Michael Cohen and Jonathan Dinkins, Sr. are Managing Members of the Company. The Company has been an investment advisor since 2001. Mercer Global Advisors Inc. has entered into an agreement to acquire Glass Jacobson Investment Advisors, LLC. The transaction closed on November 30, 2025, and resulted in a change of ownership. Mercer Global Advisors Inc. owns one hundred (100%) percent of the operating assets of Glass Jacobson Investment Advisors, LLC. Due to the acquisition of Glass Jacobson Investment Advisors, LLC, the firm has provided notice to affected clients of the assignment to Mercer Global Advisors Inc. (a SEC-registered investment advisor) of such clients’ advisory arrangements with Glass Jacobson Investment Advisors, LLC to the extent required under applicable law. Once the account transfer process is complete at the custodial level, Glass Jacobson Investment Advisors, LLC will file a Form ADV-W to wind down the advisory business. Copies of Mercer Global Advisors’ ADV Part 2A, Form CRS and Privacy Notice are available upon request by calling 888.885.8101 or at www.merceradvisors.com. GENERAL INFORMATION ABOUT THE COMPANY AND ITS SERVICES Although the Company’s advice is not limited to such investments, The Company’s investment advice primarily relates to mutual funds and certain investment products. The Company’s investment adviser representatives constitute the Company’s investment committee that determines general investment solutions suitable for client use. The committee meets quarterly and reviews its investment solutions. The criteria which the committee uses to review these solutions includes but is not limited to, historical performance, fees, manager tenure, investment risk metrics, securities composition, style, appropriate benchmarks, and industry indices. The Company offers: 1) 2) 3) 4) Discretionary or Non-Discretionary Investment Advisory Services. Financial Planning Services. Retirement Plan Consulting Services Administrative Services Our Current clients include individuals; high net worth individuals; 401(k), defined contribution, and defined benefit pension plans; trusts; estates; and charitable organizations. Following is a discussion of our services: Discretionary or Non-Discretionary Investment Advisory Services Regardless of how an account is managed, the Company tailors’ advisory services to the individual needs of its clients, by diversifying and managing each client’s portfolio in line with the client’s pre-defined investment objectives, risk tolerance, time horizon, financial information, and other various suitability factors that are identified. Such factors include restrictions the client may impose on investing in certain securities or types of securities. However, restrictions and other guidelines imposed by clients on the management of their accounts may affect the composition and performance of a client’s portfolio. Therefore, performance of the portfolio may not be identical with accounts of other clients with similar investment objectives and managed by the same investment adviser representative. 3  Stemming from our holistic approach to service, client accounts are usually managed on a household basis. The discretionary managed account is designed to permit the Company to make investment decisions for the account pursuant to investment objectives chosen by the client. Rarely will The Company manage an advisory account on a non-discretionary basis. Generally, The Company requires that clients establish brokerage accounts with Schwab Institutional (“Schwab”), a division of Charles Schwab & Co., Inc., or Fidelity Registered Investment Advisor Group (“Fidelity”), a division of Fidelity Investments, to maintain custody of such clients. The Company maintains a relationship with Schwab, and Fidelity which enables clients to receive institutional trading and operations services to which the average retail client would not otherwise have access. All transactions are cleared through Schwab, or Fidelity. Clients may also choose to maintain a brokerage relationship with one or more custodians other than Schwab, or Fidelity and in connection therewith participate in the custodial integrator By All Accounts, Inc. (“BAA”) service provided by the Company. The BAA service consolidates information about client investments held with other custodians. Clients may participate in the BAA service in one or both of the following ways: First, clients may choose to participate in the BAA service in which the Company can trade in subaccounts of clients’ variable annuities. Second, clients may choose to participate in the BAA service where the Company does not trade and manage the client’s account. Rather, such participation enables the Company to consider information about the client’s investments held with other custodians when rendering advice with respect to the Investment Advisory Account, as well as to provide non-discretionary advice to such client as to the investments in the accounts reported through BAA. Such clients are under no obligation to act on or consider any advice that may be rendered by the Company with respect to such accounts, and clients may direct the investments in such accounts in any manner they desire. With respect to any accounts reported through BAA that are not included in the Investment Advisory relationship, the Company has no responsibility to direct investments in, and/or place trades for such accounts. In both scenarios clients are charged the annual fee payable quarterly in advance. The value of such accounts is included in the overall value of the Investment Advisory Account for purposes of calculating the Company’s Management Fee. Also, the Company offers an investment advisory service to Clients that have assets in a qualified plan, including but not limited to a 401(k) plan or 403(b) plan. Such plans are considered “held-away” from GJIA, i.e., the assets in these plans are not administered by Charles Schwab or Fidelity, the custodians GJIA utilizes for Clients that have an Advisory Account with GJIA. Rather, the “held-away” assets are administered by a custodian selected by the Client. For Clients with “held-away” assets, GJIA contracts with Pontera Solutions, Inc., a third-party order management platform, to provide the following investment advisory services to Clients that have “held-away” assets: review of the current holdings and investment options in the “held- away” account; implement the Client’s investment strategies in the “held-away” account; monitor the investments in the “held-away” account; and perform, as necessary, asset allocation and rebalancing in the “held-away” account. Clients with a held-away account may or may not have an Advisory Account with GJIA. Clients with mutual funds and/or variable annuity sub-accounts in their portfolios are effectively paying the Company and the mutual fund/variable annuity advisor for the management of the client’s assets. Such clients therefore are subject to both the Company’s management fee and the management fee of the mutual fund. For variable annuities, such management fees include both fees to the manager of the variable annuity sub-account and fees to the insurance company (Mortality and Administrative). For example, client who offers a 401(k)-retirement plan to their employees knows that the plan participants pay the mutual fund management fees in addition to other applicable costs. 4  Financial Planning Services The Company offers the following financial planning services to its clients: Personal Financial Analysis Insurance and Estate Capital Needs Analysis Cash Flow Retirement Investment Analysis Education Financial planning information is obtained through personal interviews with the client concerning the client’s current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed, along with data gathered from the client. Typically, a written report is delivered. Retirement Plan Consulting Services The Company offers retirement plan consulting services for ERISA and Non-ERISA covered plans. The Company uses various internet-based 401(k) daily valuation retirement plan platforms, to deliver its 401(k) services to businesses across the United States. The platforms allow a company to offer its employees the widest possible array of investment options using daily valuation connectivity and multi-fund/multi- family investments. In connection with providing these platforms, the Company will enter into its agreement with the Responsible Plan Fiduciary and such plan’s trustee(s) to provide discretionary and non-discretionary investment advice for the 401(k) plan. The decision whether to implement or act upon the Company’s recommendations or advice rests solely with the Responsible Plan Fiduciary. The services provided by the Company to such plan typically include the following: A) B) Assist in the development of an Investment Policy Statement, which establishes the investment policies and objectives for the plan. Assist in the search for and selection of mutual funds. C) Evaluate plan costs, mutual fund performance and risk. D) Monitor the suitability of all selected investment options and recommend changes when appropriate. E) F) Provide assistance to plan fiduciary(ies) regarding ongoing supervision and due diligence of mutual funds’ performance and risk metrics. Assist the plan fiduciary(ies) in evaluating how to avoid or manage conflicts of interest; and When engaged to do so, the Company may assist in the education of the plan participants about general investing principles and the investment alternatives available under the plan. The education component will customarily be delivered through group meeting, one-on-one counseling, or a proprietary interactive video workshop designed to provide investment education for participants of company sponsored 401(k) plans. A participant may access the website by registering as a user and accepting terms of use. The participant will then be guided through a series of videos that describe the advantages of joining the company plan, saving for retirement, and general principles of investing. Each participant has the opportunity to take a risk questionnaire to assess their risk tolerance. Participants are then guided to potential suitable investment allocation solutions provided by the Company plan (the mutual fund lineup). Only if a participant engages the Company as an Investment Advisor, will we provide individualized advice regarding their investments in the company plan. Administrative Services In addition to the investment advisory services described above, The Company provides administrative services to one or more of its clients. These arrangements require the execution of a separate agreement with the Company. 5  WRAP FEE PROGRAM The Company does not sponsor or manage any wrap fee programs. AUM The Company manages client assets on a discretionary and a non-discretionary basis, As of December 31, 2025, The Company’s regulatory assets under management was $928 million. The complete transfer to Mercer is still in process. ITEM 5. FEES AND COMPENSATION COMPENSATION Discretionary or Non-Discretionary Investment Advisory Management Fee The Company's Management Fee with respect to Investment Advisory Accounts is based upon a percentage of the portfolio value on the last day of the prior quarter and is billed in advance at the beginning of each quarter. Adjustments for significant contributions and withdrawals to the portfolio are prorated for the quarter in which the change occurs. If an Investment Advisory Account is opened during the quarter, the Management Fee will be prorated for the entire quarter and based on the beginning account value. The account will be charged two fees during the first billing cycle to reflect the partial quarter when the account was opened (payment in arrears) and the current quarter (billing in advance). For Investment Advisory Accounts, including types of accounts serviced through the firm’s Investment Advisory services platform for Individuals, Trust’s, Estates, Foundations, and Pooled Retirement accounts (e.g. Cash Benefit Pension, Defined Benefit Pension, and Solo 401(k)), the Management Fee is charged according to the following tiered fee schedule: For account relationships of $1 million or more: PORTFOLIO VALUE First $2,000,000 of assets Next $3,000,000 of assets Next $5,000,000 of assets Over $10,000,000 of assets ANNUAL RATE 1.00% 0.85% 0.75% 0.50% For account relationships of less than $1 million, the following fixed rate fee schedule applies: $0 - $250,000 $250,001- $1,000,000 1.50% 1.25% Although the Management Fee listed above is a standard fee, such fee in some circumstances is negotiable according to a variety of factors; including but not limited to the size and type of account, complexity, relationship with the Company (including with respect to services provided to client by the Company or its affiliates), its owners and/or employees. Clients grant the Company written authority to receive quarterly payments directly from the client's account held by the respective custodian. The Company will send to the client an informational invoice, showing the amount of the fee to be charged to the account, the value of the client's assets on which the fee is based, and the specific manner in which the fee is calculated. Fees for each quarter are noted on the monthly statement each client receives from the custodian one month after quarter-end. Clients may elect to be billed for fees rather than having them deducted from their accounts. In addition to the above Management Fee and the BAA service fee, Investment Advisory Accounts are assessed brokerage and transaction charges with respect to trades placed for the account. These charges are paid to the account custodian for effecting transactions and may be higher or lower than transaction charges or commissions the client may pay at other broker-dealers. Please refer to the section below (Item 12) entitled, 6  “Brokerage Practices” for additional information. Clients do not pay a separate custodial fee. Inherent Conflict of Interest: Because we charge an ongoing asset-based fee, The Company is incentivized to increase the managed assets in a client account, thereby increasing the fees paid by its clients. TERMINATION An Advisory Agreement may be terminated at any time for any reason by either party upon thirty days (30) days’ written notice to the other. The Company will reject any termination instructions, including account liquidation instructions, unless Client provides those instructions in writing. The client will be entitled to a pro-rata refund of any prepaid quarterly account fee based upon the number of days remaining in the quarter after the termination date. COMPENSATION FOR THE SALE OF SECURITIES OR OTHER INVESTMENT PRODUCTS Typically, the Company recommends no-load and load-waived mutual funds to its clients. Clients benefit from not paying a sales commission to purchase a mutual fund but may pay a nominal transaction fee to the account custodian. Additionally, it is possible for a client to also incur certain charges imposed by third parties other than the Company in connection with investments made through the account. These charges may include, but are not limited to, mutual fund 12b-1 distribution fees and/or service fees (paid to the custodian), or certain deferred sales charges on previously purchased mutual funds purchased while the account assets were custodied at a prior custodian. These fees are disclosed in the fund's prospectus provided to the client by outside third parties. Buy All Accounts (BAA) Service Clients may choose to participate in the BAA service in one of two ways. First, clients may choose to participate in the BAA service in which the Company can trade in subaccounts of clients’ variable annuities. Second, clients may choose clients may choose to participate in the BAA service where the Company does not trade nor manage the client’s account. Such participation enables the Company to consider information about the client’s investments held with other custodians when rendering advice with respect to the Investment Advisory Account, as well as to provide non-discretionary advice to such client as to the investments in the accounts reported through BAA. Such clients are under no obligation to act on or consider any advice that may be rendered by the Company with respect to such accounts, and clients may direct the investments in such accounts in any manner they desire with respect to any accounts reported through BAA that are not included in the Investment Advisory relationship. The Company has no responsibility to direct investments in, and/or place trades for such accounts. In both scenarios clients are charged the annual fee payable quarterly in advance. The value of such accounts is included in the overall value of the Investment Advisory Account for purposes of calculating the Company’s Management Fee. Financial Planning Services For select clients the Company will prepare a financial plan or module, the Company charges either a fixed fee that ranges between $1,000 and $25,000 for financial planning and/or estate planning services. When the scope of the services has been agreed upon, a determination will be made as to the applicable fee. The final fee, subject to negotiation, is directly dependent upon the client’s financial situation, the complexity of the requested service, and the time involved in providing the client with the requested service. Generally, if the client chooses to proceed, 100% of the estimated fee is due and payable upon completion of the contracted services. However, the Company may, in its discretion, request that the client pay an initial retainer in advance of any services rendered and progress payments as services are performed with the balance due and payable upon completion of the contracted services. Under no circumstances will the Company require prepayment of a fee more than six months in advance and in excess of $1,200. 7  Additionally, the Company may provide its financial planning services for an Annual/Ongoing Planning Maintenance fee. The fee is dependent upon the engagement scope and is billed in 4 equal installments by the Company (in advance) at the start of each subsequent calendar quarter. Retirement Plan Consulting Fee The charge for consulting may be based on a percentage of assets held in the plan or flat-rate basis as negotiated between the plan and the Company. Fees are typically billed quarterly in advance and deducted out of plan assets. However, fees can also be billed arrears, and/or be invoiced on a quarterly basis as well. Fees are detailed in the respective retirement plan consulting agreement. The Company charges $2,500 to set up a new retirement plan. In connection with its services to 401(k) plans, the Company is acting as a fiduciary to its’ clients plans under the Employee Retirement Income Security Act (“ERISA”). For purposes of providing investment advice, the Company may provide advice according to one of the following roles: Non-discretionary investment advice about asset classes and investment alternatives available for the clients’ plans in accordance with the Plan’s investment policies and objectives; or Discretionary investment manager as defined in Section 3(38) of ERISA that is ongoing and continuous discretionary investment management with respect to the asset classes and investment alternatives available under the Plan in accordance with the Plan’s Investment Policy Statement. Under this authority, Adviser may remove or replace the investment alternatives available under the Plan at its discretion. The Company charges an advisory fee according to the following fixed rate fee schedules: PORTFOLIO VALUE $0 - $1,999,999.99 of assets $2,000,000 - $3,999,999 of assets $4,000,000 - $5,999,999 of assets $6,000,000 - $7,999,999 of assets $8,000,000 - $9,999,999 of assets 10,000,000 – 14,999,999 of assets $15,000,001 - Over ANNUAL RATE 0.75% 0.70% 0.65% 0.60% 0.55% 0.50% 0.45% The company charges $1,000 to set up new SIMPLE Plans. For SIMPLE Plans, the Company charges an advisory fee according to the following fixed rate fee schedules: PORTFOLIO VALUE $0 - $999,999.99 of assets $1,000,000 - $1,999,999 of assets $2,000,000 - $3,999,999 of assets $4,000,000 - $5,999,999 of assets $6,000,000 - $7,999,999 of assets $8,000,000 - $9,999,999 of assets 10,000,000 – 14,999,999 of assets $15,000,001 - Over ANNUAL RATE 0.95% 0.75% 0.70% 0.65% 0.60% 0.55% 0.50% 0.45% For SIMPLE Plans, the company deducts the fees in arrears Although the Management Fee listed above is a standard fee, such fee in some circumstances is negotiable according to a variety of factors; including but not limited to the size and type of account, complexity, relationship with the Company (including with respect to services provided to client by the Company or its affiliates), its owners, and/or employees. For plans with more than 100 participants, additional fees may apply and are dependent upon the level of 8  services required by the plan. For plans with multiple office locations, additional service fees may apply. These fees may be negotiable in the Company’s sole discretion, based on certain factors including, but not limited to plan size, the number of plan participants, and the plan’s relationship with the Company. The fee is based upon a percentage of the value of the portfolio, as it may increase or decrease during the engagement, and generally is billed quarterly in advance, but may for some plans be billed in arrears. The amount is calculated using the value of the portfolio based on the prior quarter’s ending market value. Only if other payment/reimbursement provisions are agreed to, The Company’s fees are billed directly to and paid from the plan's participant accounts by the plan custodian. However, if the annual advisory fee is less than $2,500 (based on the above fee schedule), then the plan sponsor is responsible for paying the difference between the amounts paid by the plan's participant accounts and $2,500. Any fees that are the plan sponsor’s responsibility are billed directly to the plan sponsor. Any fees paid by the participant accounts will be fully disclosed on the participants' quarterly statement (unless reimbursed by the plan sponsor). Any participant- level reporting is the responsibility of the plan’s record keeper, and not the Company. Retirement Plan Termination An Advisory Agreement may be terminated at any time for any reason by either party upon ten days (60) days’ written notice to the other. The Company will reject any termination instructions, including account liquidation instructions, unless Client provides those instructions in writing. The client will be entitled to a pro-rata refund of any prepaid quarterly account fee based upon the number of days remaining in the quarter after the termination date. Administrative Services ITEM 6. PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT Fees for administrative services are negotiated based upon the scope and complexity of the services being provided. This Item is not applicable to the Company. ITEM 7. TYPES OF CLIENTS The Company generally provides investment advice to individuals; 401(k), defined contribution, and defined benefit pension plans; trusts; estates; and charitable organizations. With respect to Client Advisory Accounts, the Company generally does not manage accounts with initial deposits less than $100,000. Accounts below this minimum may be negotiable and accepted on an individual basis at the Company’s discretion or enrolled in our automated investment program. With respect to 401(k) plan clients, when the Company’s advisory fee amounts to less than$2,500 per year, then the plan sponsor is responsible for paying the difference between the amount paid from plan assets and $2,500. ITEM 8. METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS Methods of Analysis . The Company's investment process is designed to allocate client assets using a global asset class diversification strategy to manage portfolio risk (using mutual funds, individual bonds, and alternative fixed income investments to include but not limited to public non-traded REITS and Interval funds). The Company identifies permissible investments for client portfolios after examining historical returns as benchmarked to peer performance and asset class indices, risk and valuation measurements, internal costs, sales loads, and manager tenure. The Company selects, monitors and assesses performance of mutual fund advisors on an ongoing basis. The Company also provides advice as to the following types of securities: exchange-traded funds (“ETFs”); 9  corporate debt securities (other than commercial paper); certificates of deposit; municipal securities; U.S. Government and agency obligations; and FDIC-insured equity-linked certificates of deposit. Investment Strategies and Related Risks. Investment strategies used by the Company in managing clients’ assets include long-term securities purchases (i.e., securities held at least one year) and short-term securities purchases (i.e., securities sold within one year of purchase). A mutual fund pools money together from many small investors and the fund’s manager may purchase stocks, bonds or other securities within the fund. Investors that contribute money to a mutual fund get a stake in all its investments. The price for a share of a mutual fund is determined by the fund’s net asset value (“NAV”), which is the total value of the securities the fund owns divided by the number of shares outstanding. A mutual fund's NAV changes every day, depending on the price fluctuations of the fund's holdings. Typically, the Company recommends no-load and load-waived mutual funds to its clients. Clients benefit from not paying a sales commission to purchase a mutual fund but may pay a nominal transaction fee to the account custodian. A sales commission may be imposed on client portfolios purchasing mutual funds through certain custodians. Mutual funds face risks based on the investments they hold. Depending upon the types of mutual funds selected fora client’s account (which is dependent upon such client’s investment profile), one or more of the Call Risk. following risks, as well as certain additional risks, should be considered: The possibility that falling interest rates will cause a bond issuer to redeem or call its bond before Country Risk. the bond's maturity date. The possibility that a bond issuer will fail to repay interest and principal in a timely manner. Also The possibility that political events (a war, national elections), financial problems (rising inflation, government default), or natural disasters (an earthquake, a poor harvest) will weaken a country's Credit Risk. economy and cause investments in that country to decline. Currency Risk. called default risk. The possibility that a group of stocks in a single industry will decline in price due to The possibility that increases in the cost of living will reduce or eliminate a fund's real inflation- The possibility that a bond fund will decline in value because of an increase in interest The possibility that returns could be reduced for Americans investing in foreign securities because of a rise in the value of the U.S. dollar against foreign currencies. Also called exchange-rate risk. Income Risk. The possibility that a fixed-income fund's dividends will decline as a result of falling overall Industry Risk. interest rates. Inflation Risk. developments in that industry. Interest Rate Risk. adjusted returns. Manager Risk. rates. The possibility that an actively managed mutual fund's investment adviser will fail to execute Market Risk. the fund's investment strategy effectively resulting in the failure of stated objectives. The possibility that fund prices (e.g., stock, bond, alternative investments) overall will decline over short or even extended periods. These markets tend to move in cycles, with periods of rising or falling Principal Risk. prices. The possibility that an investment will decline in value, or "lose money," from the original or invested amount. With respect to alternative investments selected or recommended for a client’s account, the following risks Diversification Risk. should be considered: Fixed income alternative investments are typically "non-diversified" and changes in the market value of a single holding may cause greater fluctuation in the alternative investment’s net asset value than in a "diversified" fund. Additionally, closed-end non-traded REITS are “best efforts” offerings. If they raise substantially less than the maximum offering, they may not be able to invest in a diverse portfolio of real estate and real estate-related investments, and the value of your investment may fluctuate more widely with the Economic Risk. performance of specific investments. Economic factors may adversely affect all markets; therefore, even if the alternative investments are seemingly in a different industry, the investment may be affected. For example, a Non-Traded REIT is subject to the economic risks of its underlying tenants, in addition to the economic risks in the real 10  Leverage Risk. estate industry. Many alternative investments invest in a variety of derivatives, which may involve potentially greater risks than investing directly in securities and more traditional asset classes. Furthermore, an alternative investment which is an “emerging growth company” can have very stringent credit and loan covenants with the offering’s financiers. This may limit its ability to borrow money for growth or ongoing Liquidity Risk. operations. Alternative investments invest in illiquid or restricted securities, which may limit your ability to sell your position or limit your ability to withdraw funds when needed. Additionally, alternative investments differ in their liquidity and no public market exists to buy or sell these securities. Furthermore, in their prospectuses, the fund can reserve the right for when they will provide liquidity or distribute dividends, if they believe doing so would harm investors in the fund. Generally, alternative investments provide for quarterly redemptions up to 5% of the funds value, while other offerings can provide for daily liquidity. Therefore, these offerings are suitable only for eligible, long-term investors who are willing to forgo liquidity, or put capital at risk for an indefinite period of time, and for those investors who are not dependent Tax Risk. on the advertised dividends for their personal daily needs. An alternative investment, in paying distributions may consist solely of a return of capital (i.e. from my original investment) and not a return of net profit. Sources of distributions to shareholders for tax reporting purposes will depend upon the Fund’s investment experience during the remainder of its fiscal year and may be subject to changes based on tax regulations With respect to individual securities selected or recommended for a client’s account, the following risks should Equity securities. be considered: Prices of equity securities change in response to many factors including the historical and prospective earnings of the issuer, the value of its assets, general economic conditions, interest rates, investor Corporate debt securities, perceptions and market liquidity. municipal securities and U.S. Government securities face risks related to interest rates, credit risk and income. For instance, bond values are inversely related to changes in interest rates. In most instances, if interest rates rise, bond values will decline and vice versa. Certificates of deposit (“CDs”), although commonly considered to be safe investments, nonetheless carry certain risks, including those relating to lower yields, and interest rate fluctuation. Because of the relative safety and short- term nature of CDs, yields on CDs tend to be lower than other higher risk investments. In addition, like all fixed income securities, CD prices are susceptible to fluctuations of interest rates. If interest rates rise, the market price of outstanding CDs will generally decline. FDIC-insured equity-linked CDs may tie the rate of return to the performance of a stock index (for example, the S&P 500 Composite Stock Price Index). Generally, the FDIC insurance covers the principal and any insured returns within the limits of the equity-linked CDs. The terms of these CDs vary; typically, the term is three to eight years. Therefore, there is no guarantee that any payment in excess of the principal amount will be paid. Such CDs face additional risks, primarily liquidity risk, because you will have limited opportunities, if any to redeem an equity-linked CDs before maturity. Additionally, if it is sold before maturity, it may be worth less than its purchase amount or face value. Principal value is guaranteed if held to maturity, subject to FDIC limits. Investors may incur substantial loss if the security is sold before maturity. The foregoing is a brief discussion of some of the different types of risk investors typically encounter. For a comprehensive discussion of a specific investment’s material risks, an investor should review the entire prospectus. ITEM 9. DISCIPLINARY INFORMATION This Item is not applicable to the Company. ITEM10. OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS Neither the principals of the Company, nor any related persons, are registered, or have an application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading 11  advisor, or an associated person of the foregoing entities. ITEM 11. CODE OF ETHICS The Company has established a subadvisor relationship with Brown Advisory LLC, to manage municipal fixed income portfolios on behalf of its eligible clients. Brown Advisory charges a separate management fee to the client account. The Company does not receive any fees or services from Brown Advisory for the clients referred to Brown. The Company has adopted a Code of Ethics, predicated on the principle that the Company owes a fiduciary duty to its clients. The Code of Ethics establishes certain policies and procedures for the Company’s employees; the Code sets forth a policy with respect to the following: receipt of gifts; personal securities trading; and outside business activities. The Code also includes a prohibition on insider trading. The Code is administered by the Company’s Chief Compliance Officer, and each employee must review the Code and acknowledge their receipt and compliance with the Code at least annually. Supervised and Access persons of the Company may own, purchase, or sell securities which are also recommended for purchase or sale to clients. Such personal securities trading poses the potential for conflicts between the interests of the Company’s related persons and the interests of clients, including conflicts in connection with the following: pricing of securities; commission rates received; timing of transactions; and limited availability of securities. In addition, related persons of the Company may at times buy or sell securities for a client’s account at or about the same time that such related person trades in the same securities for his or her own account. To address these potential conflicts, the Company has determined that orders for clients shall always take priority over orders for the related persons of the Company. Clients will always be accorded the best price and execution in those transactions involving the same security. In addition, when trades for clients and Company employees are placed on an aggregated basis, such trades must be made in compliance with the Company’s Trade Aggregation Policy. This Policy requires that all accounts participating in an aggregated trade order shall receive the average price and pay a pro-rata portion of commissions. Such purchases or sales by Company employees must also be made in compliance with the Code of Ethics, which prohibits certain acts to avoid potential conflicts of interest. In particular, the Code provides that no employee may engage in personal securities transactions with respect to limited offerings or an initial public offering (“IPO”) or any new issue of equity securities without obtaining advance preclearance of such transactions. In addition, the Code prohibits employees from “front running” client accounts, which is a practice generally understood to be employees personally trading ahead of client accounts. Supervised and Access persons of the Company, are eligible for incentive compensation for increasing the Company’s business. Therefore, employees of the firm have an inherent conflict of interest in recommending potential clients to “rollover” their qualified retirement assets from any vehicle (401(k) plans, IRA’s, Roth IRA’s etc.), in addition to this disclosure the Company has implemented account opening due diligence procedures which aim to educate the client as to their choices, and to insure that such actions are in the clients’ best interest. Current or prospective clients may obtain a copy of the Company’s Code of Ethics upon request. ITEM 12. BROKERAGE PRACTICES The Company does not maintain custody of your assets that we manage, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see Item 15- Custody below). Your assets must be maintained in an account at a "qualified custodian,” generally a 12  broker- dealer or bank. Therefore, the Company requires that clients establish brokerage accounts with Schwab Institutional (“Schwab”), a division of Charles Schwab & Co., Inc.; and Fidelity Registered Investment Advisor Group (“Fidelity”), a division of Fidelity Investments to maintain custody of clients' assets and to effect trades for their accounts. We are independently owned and operated and are not affiliated with Schwab, or Fidelity. Schwab, or Fidelity, will hold your assets in a brokerage account and buy and sell securities when we instruct them to. We require that you use one of these custodians by entering into an account agreement directly with them. We do not open the account for you, although we will assist you in doing so. Not all advisors require their clients to use a particular broker-dealer or other custodian selected/recommended by the advisor. Even though your account is maintained at Schwab, or Fidelity, we can work with other brokers to execute trades for your account as described below. We seek to select a custodian/broker that will hold your assets and execute transactions on terms that overall are most advantageous when compared with other available providers and their services. We consider a wide range of factors, including: 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) 11) Combination of transaction execution services and asset custody services (generally without a separate fee for custody) Capability to execute, clear, and settle trades (buy and sell securities for your account) Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds [ETFs], etc.) Access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. Availability of investment research and tools that assist us in making investment decisions Quality of services Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices Reputation, financial strength, security and stability Prior service to us and our clients Availability of other products and services that benefit us, as discussed below The custodians do not charge separately for custody but are compensated by account holders through earned interest on un-invested cash, money market management fees, commissions or other transaction- related fees for securities trades that are executed through the custodian or that settle into the custodian’s accounts. Not all advisers require their clients to use the services of particular custodians. These custodians are registered broker- dealers and are not affiliated with The Company. In addition to commissions and fees, Schwab, and Fidelity, charge you a flat dollar amount as a "prime broker" or "trade away" fee for each trade that we execute through a different broker-dealer. These fees are in addition to the commissions or other compensation you pay the executing broker-dealer. Therefore, to minimize your trading costs, we have Schwab, and Fidelity, execute most trades for your account. We have determined that having Schwab and, Fidelity, execute most trades is consistent with our duty to seek "best execution" of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above. The Company has established its brokerage and custody relationships with Schwab and, Fidelity, based upon the Company’s assessment of the standard of service needed to properly manage an investment advisory practice. The Company from time to time, reviews its criteria and assesses the commitment of these broker/custodians to maintaining or surpassing industry standards in technology, service innovation, and adviser support. The decision to use these custodians recognizes that price is not the only factor involved when executing client trades, but rather the value maximized in the client portfolio given each of the stated investment objectives and constraints. Though the Company believes these companies provide the best 13  overall value for client custody and brokerage activity, the client can likely find less costly alternatives to facilitate the execution of equity or fixed income trading. In other words, clients may on occasion pay commissions higher than those charged by other broker-dealers because of the Company’s routine recommendation that clients use these specific custodians. i.e Clients may direct the Company in writing to engage in directed brokerage transactions ( ., using a broker other than Schwab, or Fidelity,) Should the client choose to do so, the Company’s ability to obtain the best price and execution with respect to such client’s account may be hindered, and the decision by a client to direct brokerage to a particular broker-dealer may cost the client more money. Specifically, a client may pay brokerage commissions that exceed the commissions charged by other broker-dealers, including Schwab, and Fidelity, In addition, a client who designates the use of a particular broker/dealer should understand that it will lose possible advantages that other clients derive from the aggregation of orders for several clients as a single transaction for the purchase or sale of a particular security. The ability of the Company to effectively negotiate commission rates could also be affected by a client designating the use of a specific broker/dealer, and as a result, the Company may not obtain best execution on behalf of the client, who may pay materially disparate commissions, greater spreads or transaction costs, or receive less favorable net prices on transactions for the account than would otherwise be the case. When placing trades in Variable annuity subaccounts, client recognizes the limited options and underlying costs and inability to find a less expensive share class. Orders for the same security entered on behalf of more than one client may be aggregated (bunched) when the Company believes doing so to be in the best interests of all participating clients. Subsequent orders for the same security entered during the same trading day may be aggregated with any previously unfilled orders; filled orders shall be allocated separately from subsequent orders. All clients participating in each aggregated order shall receive the average price and if applicable, pay a pro-rata portion of commissions. Instances in which client orders will not be aggregated include, but are not limited to, the following: 1) 2) Clients directing the Company to use certain broker/dealers, in which case such orders shall be separately affected. Traders and/or portfolio managers determine that aggregation is not appropriate because of market conditions; and Portfolio managers must affect the transactions at different prices, making aggregation unfeasible. The custodians provide us and our clients with access to their institutional brokerage services (trading, custody, reporting, research and related services), many of which are not typically available to retail customers. The custodians also make available to the Company various products and support services. Some of these services help us manage or administer our clients' accounts, while others help us manage and grow our business. Support services are generally available on an unsolicited basis (we don't have to request them) and at no charge to us. Such products and services benefit the Company because the Company does not have to produce the research or pay for such research, products or services. SERVICES THAT BENEFIT YOU. The Custodians institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through the custodians include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. The Custodians services described in this paragraph generally benefit you and your account. SERVICES THAT MAY NOT DIRECTLY BENEFIT YOU. The Custodians also make available to the Company other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients' accounts. They include investment research, both Schwab's, and Fidelity’s, own and that of third parties. We may use this research to service all or a substantial number of our clients' accounts, including 14  accounts not maintained specifically at Schwab, or Fidelity, in addition to investment research, the custodians also make available software and other technology that: 1) 2) 3) 4) 5) Provide access to client account data (such as duplicate trade confirmations and account statements), Facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), Provide research, pricing information and other market data, Facilitate payment of the Company's fees from its clients' accounts, and Assist with back-office support, recordkeeping and client reporting. The custodians discount or waive fees it would otherwise charge for some of these services to the Company. This creates an incentive for the Company to select the custodians for its clients’ accounts. While as a fiduciary, the Company endeavors to act in its clients' best interests, the Company’s requirement that clients maintain their assets with one of these custodians is based in part on the benefit to the Company of the availability of some of the foregoing products and services and not solely on the nature, cost or quality of custody and brokerage services provided by the custodian, which creates a conflict of interest. In other words, it is possible for clients on occasion to pay commissions higher than those charged by other broker- dealers, due to these soft dollar benefits the Company receives from the respective custodians. The Company believes that such conflicts and discussion of its relationship interests with the custodians, is addressed and mitigated by making this disclosure to its clients. Many of these services generally are used to service all or a substantial number of the Company's accounts, even though the accounts may not be clients with that particular custodian. The custodians also provide the Company with other services intended to help the Company manage and further develop its business enterprise. These services include consulting, publications and presentations on practice management, information technology, and business succession, access to employee benefits providers, human capital consultants, insurance providers, regulatory compliance, marketing, and general business needs. The custodians may provide some of these services. Other times, they will arrange for third-party vendors to provide the services to us. The custodians may also discount or waive its fees for some of these services or pay all ora part of a third party's fees. The custodians may also provide us with other benefits, such as occasional business entertainment of our personnel. Within the last fiscal year, brokers with which the Company does business made available to the Company and its related persons access to the following: 1) Software and other technology that(i) provides access to client account data,(ii) facilitates trade execution, (iii) provides research and pricing information, (iv) facilitates fee payment, and (v) assists with back- 2) office support; and Publications and presentations on (i) practice management, (ii) information technology, (iii) business succession, (iv) regulatory compliance, and (v) marketing. With respect to financial planning clients, the Company lacks discretionary authority to determine securities to be bought or sold for the client, the amount of securities to be bought or sold, the broker or dealer to be used, or the commission rate paid. The client is free to choose the sources through which investment advisory recommendations to be implemented. With respect to financial planning clients, the Company has no preference where client’s custody assets or the brokers that are selected for trading. However, when the client desires to create a portfolio of mutual funds and/or specific securities, the Company will provide the client with the names of brokers from which the client may choose if asked. The investment adviser representative working with the client will make recommendations to the client as to which broker, he/she wishes to deal with. The investment advisor 15  representative will base this recommendation on his/her professional experience in working with a particular broker/custodian, the needs of the client and the services provided by the broker/custodian, such as: ability to execute trades, margin rates, on-line access to accounts, transaction charges, duplicate monthly statements, access to mutual funds, including lower sales charges than for direct purchases, and lower minimum purchase amounts. The Company does not expect that clients will pay commissions to brokers the investment adviser representative recommends that are higher than those obtainable from other brokers for comparable client services. However, there can be no assurance that clients will pay the lowest commissions available. The Company reviews approved mutual fund share classes as part of its investment committee deliberations, on an as needed basis (e.g. reviewing new funds). The Company does not believe that there is a “one size fits all” solution as to which share class should be used for any specific client or set of circumstances. At all times The Company’s philosophy is to do what is in the “Best Interests” of the client. Sometimes this is the exercise of professional judgement and consideration of various factors, such as investment size, time horizon to be held, transaction fee, etc. As with all investment expenses, such charges reduce investment performance, and a cost benefit assessment is made by The Company when recommending a specific share class when more than one is available. Additionally, with ETFs trading for free at Schwab, and Fidelity the Company does not believe that this change categorically requires that it abandon mutual funds and instead use ETFs. ITEM 13. REVIEW OF ACCOUNTS For Client Advisory Accounts, each client account is reviewed at least annually by the account’s Investment Adviser Representative (“IAR”), who may be part of a team responsible for managing the account. In connection with such review, the client’s portfolio allocation is compared to the account’s investment policy and a determination is made by the IAR as to whether a recommendation should be made to the client regarding portfolio re-balancing. Additionally, the client and the IAR assigned to the account will meet on an “as needed” basis for a more comprehensive review of the portfolio's performance and to discuss changes in investment objective, portfolio re-balancing, investment restrictions or other matters as required by the client. In general, the Company’s’ IARs are responsible for reviewing accounts, whether individually or as part of a team. Depending on a variety of factors (including the number of new accounts established during the year; whether the IAR operates individually or as part of a team with respect to certain accounts; the number of additional IARs hired by the Company during the year; etc.) each reviewer could have responsibility for a small handful of accounts (e.g., fifteen) to a large number of accounts (e.g., over 100). Given the factors determining the number of accounts reviewed by each IAR, these numbers could fluctuate throughout the year. The Company furnishes written performance reports to its Client Advisory Accounts on a quarterly basis. The reports are intended to inform clients as to how their investments have performed during the selected period. In addition, the client receives a monthly account statement from the custodian showing account activity, as well as positions held in the account at month end. Clients also receive a confirmation of each transaction that occurs within his or her account. For financial planning accounts, the Company encourages an annual review. In most cases, a review of a client’s financial plan would require a new engagement between the client and the Company. 401(k) Retirement Plan Fiduciaries are provided annual written reports assessing the overall investment process of the plan’s operation. The report assesses investment cost, and investment screening, monitoring and supervision processes. Investment performance is benchmarked to peer group averages and market indices. Likewise, such factors as risk, style consistency, suitability, and manager tenure are reviewed for each individual mutual fund offered on its platform. 16  ITEM 14. CLIENT REFERRALS AND OTHER COMPENSATION The Company has no new and ongoing Promoter relationships. This excludes relationships for which the company still pays individuals for their past Promoter work. OTHER ECONOMIC BENEFIT We receive an economic benefit from the custodians of our client accounts as support for products and services the custodians make available to us and other independent investment advisors whose clients maintain their accounts at Schwab, or Fidelity, In addition, these custodians have agreed to pay for certain products and services for which we would otherwise have to pay. These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12-BrokeragePractices). On occasion, a client may need services provided by a third-party qualified plan administrator. If requested, the Company may refer the client to American Retirement Plan Services ("ARPS"), who serves as plan administrator for the Company’s qualified plan. Although there is no referral arrangement between ARPS and the Company, as a result of referrals made by the Company in the past, ARPS charges a reduced fee for the ongoing administration services it provides with respect to the Company’s qualified plan. Consequently, a conflict between the interest of the Company and those of its clients exists, and to mitigate this conflict of interest, the Company is making this disclosure. The client is under no obligation, contractual or otherwise, to retain the services of ARPS. CF Cash Program The Company informs its clients and prospective clients of the Cantor Fitzgerald Insured Cash Program℠ otherwise known as “CF Cash Program.” The CF Cash Program is a deposit bank account program established and administered by StoneCastle Cash Management, LLC (“StoneCastle”) to benefit individual investors by offering a cash management solution designed to enhance returns on cash savings while providing 100% FDIC insurance protection. The Company receives an administrative fee from StoneCastle based on the average daily balance of each individual account referred by the Company who participates in the CF Cash Program. ITEM 15. CUSTODY The Company is deemed to have “custody” over certain of its Client Advisory Accounts, based on certain factors which necessitate compliance with other aspects of the SEC’s Custody Rule 206 (4)-2. Therefore, to comply with the SEC’s “Custody Rule,” the Company has taken steps to ensure that the qualified custodian maintaining such accounts sends to clients quarterly account statements: (i) identifying the amount of funds and of each security in the account at the end of the quarter; and (ii) setting forth all transactions in the account during the quarter. Thus, clients should expect to receive from their account custodians such statements on a quarterly basis and are encouraged to review such statements carefully. In addition, the Company sends each of its clients a quarterly performance report and urges its clients to compare these reports with those received from the account custodian. rd. The Company is deemed to have “custody” of its clients’ funds by accommodating its clients with “Standing party. The Company relies on the Letters of Authorization” to facilitate the periodic transfer of funds to a 3 recordkeeping regulatory exception provided by the SEC to exclude these accounts from its annual surprise audit conducted by an independent CPA firm. Additionally, The Company is deemed to have “custody” of some of its clients’ funds and is required to undergo an annual surprise audit from an independent CPA firm. ITEM 16. INVESTMENT DISCRETION The Company typically requires discretionary authority to manage securities accounts on behalf of certain clients. Such clients are required to execute a limited power of attorney, as part of the Company’s standard engagement with such clients, in order that the Company may carry out this authority. Notwithstanding this discretionary authority, the Company manages the accounts only in accordance with the investment mandates, guidelines, and/or restrictions (if any) that have been provided by clients. For instance, client-imposed restrictions can include restrictions on specific securities or restrictions on categories of securities, such as by 17  industry or based on social criteria (see Item 4-AdvisoryBusiness). In accordance with its diminished capacity policy, the Company reserves the right to withhold asset disbursements, in accordance with state law, if the Company has reason to believe that the disbursement request is an attempted abuse of a client due to the client’s diminished capacity. ITEM 17. VOTING CLIENT SECURITIES Generally, the Company does not assume responsibility to vote proxies on behalf of its clients. Proxy voting is a client responsibility, and as a result, the Company will not take any action involving legal matters, including securities class actions on behalf of its clients with respect to securities or other investments held in the client’s account. The company advises its clients as to proxies that arise. The custodian maintaining the client’s account will send proxy and class action information directly to such client. If the Company receives any such material on behalf of a client, it will promptly forward that material to the client. However, upon a client’s request, the Company may assist clients in the collection of data for the purpose of filing a claim should they relate to investments purchased on such client’s behalf while a client of the Company. Rarely, the Company assumes responsibility to vote proxies on behalf of clients. This usually stems from a corporate trustee relationship where the company is an investment advisor of a “covered trust”. A separate agreement must be executed between the Company and the client for the Company to assume responsibility to vote proxies on a client’s behalf. As discussed above (Item 4- Advisory Business and in Item 8-Methods of Analysis, Investment Strategies and Risk of Loss) the Company primarily recommends that its clients invest in mutual funds; therefore, most proxies are voted by the investment advisor of the respective fund companies. Current or prospective clients may obtain a copy of the Company’s Proxy Voting policy and procedure upon request. ITEM 18. FINANCIAL INFORMATION This Item is not applicable to the Company ITEM 19. REQUIREMENTS FOR STATE-REGISTERED ADVISERS This Item is not applicable to the Company 18  Glass Jacobson Investment Advisors, LLC 10055 Red Run Blvd. Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 Part 2B of Form ADV: Brochure Supplement 1  Mercer Global Advisors Inc. has entered into an agreement to acquire Glass Jacobson Investment Advisors, LLC. The transaction closed on November 30, 2025, and resulted in a change of ownership. Mercer Global Advisors Inc. owns one hundred (100%) percent of the operating assets of Glass Jacobson Investment Advisors, LLC. Due to the acquisition of Glass Jacobson Investment Advisors, LLC, the firm has provided notice to affected clients of the assignment to Mercer Global Advisors Inc. (a SEC- registered investment advisor) of such clients’ advisory arrangements with Glass Jacobson Investment Advisors, LLC to the extent required under applicable law. Once the account transfer process is complete at the custodial level, Glass Jacobson Investment Advisors, LLC will file a Form ADV-W to wind down the advisory business. Although these Registered Investment Advisors are being portrayed as advisors of Glass Jacobson, please be advised that Glass Jacobson is in a transition period to merge its firm into Mercer Global Advisors. Copies of Mercer Global Advisors’ ADV Part 2A, Form CRS and Privacy Notice are available upon request by calling 888.885.8101 or at www.merceradvisors.com. 2  Michael K. Creamer Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � This brochure supplement provides information about Michael K. Creamer, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass www.adviserinfo.sec.gov Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this . supplement. Additional information about Mr. Creamer is available on the SEC’s website at ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE He received a B.S. in Accounting from St. Joseph’s University in 1990. Mr. Creamer holds the following professional designations: CPA, CFP®, CDFA™, AIF® and ADPA®. Mr. Creamer was born in 1968 and joined Glass Jacobson in 2011 as an investment advisor representative. He holds a dual registration with Mercer Global Advisors, Inc., as a Sr. Wealth Advisor, joining Mercer in December 2025. In January 2026, Mr. Creamer was named as Director, Tax Services for Mercer Advisors Tax Services, LLC. Certi�ied Public Accountant (CPA). � � Code of Professional Conduct � � � licts of interest (and obtain client consent if a con identiality, disclose to the client any commission or referral fees, and serve the public interest when providing CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, inancial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two year period or 120 hours over a three year period). Additionally, all American Institute of Certi ied Public Accountants (AICPA) members are which requires that they act with integrity, objectivity, due required to follow a rigorous lict exists), maintain client care, competence, fully disclose any con � Code of Professional con Conduct inancial services. The vast majority of state boards of accountancy have adopted the AICPA’s within their state accountancy laws or have created their own. TM CERTIFIED FINANCIAL PLANNERTM (CFP®). � The CERTIFIED FINANCIAL PLANNER (CFP®) certification is � ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, awarded by the Certi experience and ethics requirements. Educational requirements include completing a set of courses on inancial planning or, alternatively, previously achieved certain designations such as a CPA or attorney. Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re-accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. Certi�ied Divorce Financial Analyst® (CDFA™). � � A Certi ied Divorce Financial Analyst® (CDFA™) is someone who � inancial planning, accounting or legal background and goes through an intensive training program to TM � inancial issues of divorce. The role of the CDFA � comes from a become skilled in analyzing and providing expertise related to the inancial decisions made today will impact the professional is to help both the client and lawyer understand how the client’s inancial future, based on certain assumptions. All CDFA professionals adhere to a Code of Ethics and are required to renew their designation every two years by completing 15 hours of continuing education, reaffirming their adherence to the CDFATM Professional Practice Standards. 3  � Accredited Investment Fiduciary (AIF®). � The Accredited Investment Fiduciary (AIF®) certi � � � � � ication is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 ( i360) company). ies that the recipient iduciary standards of care, their application to the investment management process, has advanced knowledge of and procedures for assessing conformance by third parties to iduciary standards. To be eligible to receive the AIFA designation, individuals must have already completed the AIF training program and passed the AIF exam and meet a minimum prerequisite score based on the candidate’s educational background and professional training and � inancial services and auditing. To receive the AIFA designation, individuals must complete experience in investing, a training program, successfully pass a comprehensive, closed-book inal examination under the supervision of a proctor and agree to abide by the AIFA Code of Ethics. In order to maintain the AIFA designation, the individual must annually renew their af irmation of the AIFA Code of Ethics and complete ten hours of continuing education credits. The certi Accredited Domestic Partnership AdvisorSM (ADPA®). SM ® � (ADPA � Individuals who hold the Accredited Domestic Partnership ) designation have completed a course of study encompassing wealth transfers, federal taxation, Advisor retirement planning, and planning for inancial and medical end-of-life needs for domestic partners. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaf irming adherence to the Standards of Professional Conduct and complying with self- disclosure requirements. ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about Michael Creamer. Other public information on Michael Creamer is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Michael Creamer does not engage in outside business activities. ITEM 5. ADDITIONAL COMPENSATION Michael Creamer does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � icer of Glass Jacobson, who con Mr. Creamer’s advisory activities are supervised by the Managing Members of the Company, Michael Cohen, Jonathan Dinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384- 6888. Mr. Creamer may recommend to clients only those securities and other investments that are included on the � Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an administrative of irms that trades placed for client accounts are limited to securities appearing on such “approved” list. 4  Jonathan S. Dinkins Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about Jonathan S. Dinkins, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this . supplement. Additional information about Mr. Dinkins is available on the SEC’s website at ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Mr. Dinkins graduated with a B.B.A. in Accounting from Marshall University in 1977. He currently holds the following professional designations: CPA/PFS, CIMA®. Mr. Dinkins was born in 1955 and joined Glass Jacobson in 2002 as an investment advisor representative. He has been a Managing Member of the Company since 2004. He holds a dual registration with Mercer Global Advisors, Inc., as Principal, Sr. Wealth Advisor, joining Mercer in December 2025. Certi�ied Public Accountant (CPA). � � Code of Professional Conduct � � � licts of interest (and obtain client consent if a con identiality, disclose to the client any commission or referral fees, and serve the public interest when providing CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, inancial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two year period or 120 hours over a three year period). Additionally, all American Institute of Certi ied Public Accountants (AICPA) members are which requires that they act with integrity, objectivity, due required to follow a rigorous care, competence, fully disclose any con lict exists), maintain client � Code of Professional con Conduct inancial services. The vast majority of state boards of accountancy have adopted the AICPA’s within their state accountancy laws or have created their own. Personal Financial Specialist (PFS). � � inancial planning business experience, complete 80 hours of personal � inancial planning CPE credits every three years. The PFS credential is administered through the AICPA. � The PFS credential demonstrates that an individual has met the minimum education, experience and testing required of a CPA in addition to a minimum level of expertise in personal inancial � � planning. To attain the PFS credential, a candidate must hold an unrevoked CPA license, fulfill 3,000 hours of personal inancial planning CPE credits, pass a comprehensive inancial planning exam and be an active member of the AICPA. A PFS credential holder is required to adhere to the AICPA’s Code of Professional Conduct, and is encouraged to follow the AICPA’s Statement on Responsibilities in Financial Planning Practice. To maintain their PFS credential, the recipient must complete 60 hours of Certi�ied Investment Management Analyst (CIMA®). � � The Certi ication signi � � � � ication are three years of ication, candidates must pass an online Quali � � ication. ied Investment Management Analyst (CIMA®) certi ies that an individual has met initial and on-going experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and inancial services experience and an application. Prerequisites for the CIMA® certi ication acceptable regulatory history. To obtain the CIMA® certi Examination, successfully complete a one-week classroom education program provided by a Registered Education Provider at an AACSB accredited university business school, and pass an online Certi ication Examination. CIMA® designees are required to adhere to IMCA’s Code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CIMA® designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certi 5  ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about Jonathan Dinkins. Other public information on Jonathan Dinkins.is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Jonathan Dinkins does engage in outside business activities. •12/2024, Owner Operator, Rental Property Duties include: Coordinate outsourced service providers, keep accounting records, and pay bills. This outside business activity is investment-related. Jonathan Dinkins dedicates 1-2 hour(s) a month to this outside business activity. Glass Jacobsons’ clients are never obligated or required to purchase products, services, or engage with advisors’ outside business activities. TEM 5. ADDITIONAL COMPENSATION Jonathan Dinkins does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � icer of Glass Jacobson, who con As a Managing Member of Glass Jacobson, Mr. Dinkins’ activities are supervised by other Managing Members of the Company, Michael Cohen and Edward Jacobson. Each of Messrs. Cohen and Jacobson can be reached at 443-384- 6888. Mr. Dinkins recommends to clients only those securities and other investments that are included on the � Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an administrative of irms that trades placed for client accounts are limited to securities appearing on such “approved” list. 6  George Thomas (“Trey”) Ingram III Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about Trey Ingram, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this supplement. Additional information about Mr. Ingram is available on the SEC’s website at . ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Mr. Ingram graduated with a Masters of Business Administration from the George Washington University in 2011 and a B.S. in Finance from the University of North Carolina at Wilmington in 2001. Mr. Ingram holds the following professional designations: CFP® and (CAIA®). TM Mr. Ingram was born in 1979 and joined Glass Jacobson as an investment advisor representative in 2019. He holds a dual registration with Mercer Global Advisors, Inc., as Wealth Advisor, joining Mercer in December 2025. CERTIFIED FINANCIAL PLANNERTM (CFP®). � The CERTIFIED FINANCIAL PLANNER (CFP®) certification is � ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, awarded by the Certi inancial experience, and ethics requirements. Educational requirements include completing a set of courses on planning or, alternatively, previously achieved certain designations such as a CPA or attorney. Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re- accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. Certi�ied Alternative Investment Analyst (CAIA � ®): The Chartered Alternative Investment Analyst (CAIA®) is a professional designation granted by the Chartered Alternative Investment Analyst Association to candidates who have completed Level I and Level II examinations. The Chartered Alternative Investment Analyst Association has established the designation of CAIA to certify that the holders have met the association’s educational standard for specialists in alternative investments. The alternative investments that a Chartered Alternative Investment Analyst is trained to assess include hedge funds, venture capital, private equity, funds of funds, derivatives and real estate investments. In order to receive the designation, individuals must have at least one year of professional experience and a U.S. bachelor's degree and must pass a two-level curriculum that includes topics ranging from qualitative analysis and trading theories of alternative investment to indexation and benchmarking . Once certi ied, there are annual membership dues and the designee completes a self-evaluation tool every three years to maintain the designation. ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about George Ingram III. Other public information on George Ingram III is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES George Ingram III does engage in outside business activities. •06/2000, Owner, Rental Properties Duties include: Own two rental properties that are managed by a professional property manager. This outside business activity is investment-related. George Ingram III dedicates less than 1 hour(s) a month to this outside 7 business activity.  Glass Jacobsons’ clients are never obligated or required to purchase products, services, or engage with advisors’ outside business activities. ITEM 5. ADDITIONAL COMPENSATION George Ingram III does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � � icer of Glass Jacobson, who con Mr. Ingram’s advisory activities are supervised by the Managing Members of the Company, Michael Cohen, Jonathan Dinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384-6888. Mr. Ingram may recommend to clients only those securities and other investments that are included on the Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an administrative of irms that trades placed for client accounts are limited to securities appearing on such “approved” list. 8  Joseph T. McCarthy Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about Joseph T. McCarthy, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this supplement. Additional information about Mr. McCarthy is available on the SEC’s website at . ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE He received a B.S. in Finance from Salisbury University in 2013. Mr. McCarthy holds the following professional designations: CFP®, ChFC® � TM Mr. McCarthy was born in 1991 and joined Glass Jacobson in 2023 as a Senior Wealth Advisor. He holds a dual registration with Mercer Global Advisors, Inc., as Wealth Advisor, joining Mercer in December 2025. Mr. McCarthy was previously employed by Edelman Financial Engines from 2016 to 2019. He then transitioned to UBS in 2020 until 2023. CERTIFIED FINANCIAL PLANNERTM (CFP®). � The CERTIFIED FINANCIAL PLANNER (CFP®) certi ication is � ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, awarded by the Certi experience and ethics requirements. Educational requirements include completing a set of courses on inancial planning or, alternatively, previously achieved certain designations such as a CPA or attorney. Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re-accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. CHARTERED FINANCIAL CONSULTANT® (ChFC®) � The CHARTERED FINANCIAL CONSULTANT® (ChFC®) � ication is awarded by the American College of Financial Services to individuals who meet education, examination, certi experience and ethics requirements. Educational requirements include completing a set of courses on inancial planning or, alternatively, previously achieved certain designations such as a CFP. Currently, applicants must have at least three years of qualifying work experience in the profession and must agree to adhere to a Code of Ethics. Every two years, all ChFC® practitioners must meet re-accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There IS applicable information to disclose about Joseph McCarthy. Other public information on Joseph McCarthy is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Joseph McCarthy does not engage in outside business activities. . ITEM 5. ADDITIONAL COMPENSATION Joseph McCarthy does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. 9  ITEM 6. SUPERVISION � � icer of Glass Jacobson, who con Mr. McCarthy’s advisory activities are supervised by the Managing Members of the Company, Michael Cohen, JonathanDinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384- 6888. Mr. McCarthy may recommend to clients only those securities and other investments that are included on the Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are irms that trades placed for client accounts are monitored by an administrative of limited to securities appearing on such “approved” list. 10  Todd C. Norris Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about Todd Norris, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this supplement. Additional information about Mr. Norris is available on the SEC’s website at . ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE He received a B.S. in Finance from the University of Maryland in 2007. Mr. Norris holds the following professional designations: CFP® TM Mr. Norris was born in 1984 and joined Glass Jacobson in 2020 as an investment advisor representative. He holds a dual registration with Mercer Global Advisors, Inc., as Sr. Wealth Advisor, joining Mercer in December 2025. CERTIFIED FINANCIAL PLANNERTM (CFP®). � The CERTIFIED FINANCIAL PLANNER (CFP®) certification is � ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, awarded by the Certi experience, and ethics requirements. Educational requirements include completing a set of courses on inancial planning or, alternatively, previously achieved certain designations such as a CPA or attorney. Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re- accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about Todd Norris. Other public information on Todd Norris is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Todd Norris does not engage in outside business activities. ITEM 5. ADDITIONAL COMPENSATION Todd Norris does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � � icer of Glass Jacobson, who con Mr. Norris’s advisory activities are supervised by the Managing Members of the Company, Michael Cohen, Jonathan Dinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384-6888. Mr. Norris may recommend to clients only those securities and other investments that are included on the Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an irms that trades placed for client accounts are limited to securities administrative of appearing on such “approved” list. 11  Dovid Price Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about Dovid Price, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this supplement. Additional information about Mr. Price is available on the SEC’s website at . ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE � TM � Prior to entering the inancial services industry, he held a paid fellowship in advanced Talmudic studies at Yeshiva Birchas Mordechai (2013-2016, 2017-2019) and Aish HaTorah (2017). He received a Bachelors in Talmudic Law (CFP®) and Wealth from the Ner Israel College in 2013. He holds the CERTIFIED FINANCIAL PLANNER Management Specialist™ or WMS™ Professional Designations and has passed the Certi ied Investment Management Analyst (CIMA®). � � � irm DP Financial in 2020. He has worked as a TM Mr. Price was born in 1988 and joined Glass Jacobson in 2021 as an investment advisor representative. He holds a dual registration with Mercer Global Advisors, Inc., as Sr. Wealth Advisor, joining Mercer in December 2025. Prior to working at Glass Jacobson, he founded his inance instructor from 2020-2021, as a inancial planning intern with Shober & Zelcer Financial Planning and Management in 2020, as an LPL advisor with Cross Country Wealth from 2019-2020 and served a tax internship in 2018. CERTIFIED FINANCIAL PLANNERTM (CFP®). � The CERTIFIED FINANCIAL PLANNER (CFP®) certification is � � ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, awarded by the Certi inancial experience, and ethics requirements. Educational requirements include completing a set of courses on planning or, alternatively, previously achieved certain designations such as a CPA or attorney. Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re- accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. Certi�ied Investment Management Analyst (CIMA®). � � The Certi ication signi � � � � ication are three years of ication, candidates must pass an online Quali � � ication. ied Investment Management Analyst (CIMA®) certi ies that an individual has met initial and on-going experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and inancial services experience and an application. Prerequisites for the CIMA® certi acceptable regulatory history. To obtain the CIMA® certi ication Examination, successfully complete a one-week classroom education program provided by a Registered Education Provider at an AACSB accredited university business school, and pass an online Certi ication Examination. CIMA® designees are required to adhere to IMCA’s Code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CIMA® designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certi Wealth Management Specialist™ or WMS™: Individuals who hold the WMS™ designation have completed a course of study encompassing risk management, investments, insurance, tax, retirement, and estate planning issues. Additionally, individuals must pass an end-of-course examination that tests their knowledge of these topics. All designees must adhere to standards of professional conduct and complete 16 hours of continued education every two years. ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO 12 applicable information to disclose about Dovid Price.  Other public information on Dovid Price is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Dovid Price does engage in outside business activities. •01/2024, Financial Manager, Esther Price, CCC-SLP Duties include: Assist with preparing billing, technology, bookkeeping, and preparing for taxes. This outside business activity is not investment-related. Dovid Price dedicates 20 hour(s) a month to this outside business activity. Glass Jacobsons’ clients are never obligated or required to purchase products, services, or engage with advisors’ outside business activities. ITEM 5. ADDITIONAL COMPENSATION Dovid Price does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � � icer of Glass Jacobson, who con irms that trades placed for client accounts are limited to securities appearing on such Mr. Price’s activities are supervised by the Managing Members of the Company, Michael Cohen, Jonathan Dinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384-6888. Mr. Price may recommend to clients only those securities and other investments that are included on the Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an administrative of “approved” list. 13  Richard J. Osikowicz Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov . This brochure supplement provides information about Richard Osikowicz, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this supplement. Additional information about Mr. Osikowicz is available on the SEC’s website at ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE He graduated with a B.S. from the Towson University in 1994. Mr. Osikowicz holds the following professional designations: CFP®,AIF®, CEPA®. TM Mr. Osikowicz was born in 1971 and joined Glass Jacobson as an investment advisor representative in 2018. He holds a dual registration with Mercer Global Advisors, Inc., as Sr. Wealth Advisor, joining Mercer in December CERTIFIED FINANCIAL PLANNERTM (CFP®). 2025. � The CERTIFIED FINANCIAL PLANNER (CFP®) certification is � � awarded by the Certi ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, inancial experience and ethics requirements. Educational requirements include completing a set of courses on planning or, alternatively, previously achieved certain designations such as a CPA or attorney. Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re-accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. Accredited Investment Fiduciary (AIF®). � The Accredited Investment Fiduciary (AIF®) certi � � � � � ies that the recipient iduciary standards of care, their application to the investment management process, has advanced knowledge of iduciary standards. To be eligible to receive the AIFA and procedures for assessing conformance by third parties to designation, individuals must have already completed the AIF training program and passed the AIF exam and meet a minimum prerequisite score based on the candidate’s educational background and professional training and � inancial services and auditing. To receive the AIFA designation, individuals must complete experience in investing, inal examination under the supervision of a a training program, successfully pass a comprehensive, closed-book proctor and agree to abide by the AIFA Code of Ethics. In order to maintain the AIFA designation, the individual must annually renew their af irmation of the AIFA Code of Ethics and complete ten hours of continuing education credits. The certi ication is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 ( i360) company). ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about Richard Osikowicz. Other public information on Richard Osikowicz is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Richard Osikowicz does engage in outside business activities. •1/1/2008, Sole Proprietor/Photographer, Photographs by Rich Duties include: Offer photography services - head shots, family portraits, event photography (sports, theater), and sell images online. This outside business activity is not investment-related. Richard Osikowicz dedicates 1-2 14 hour(s) a month to this outside business activity.  Glass Jacobsons’ clients are never obligated or required to purchase products, services, or engage with advisors’ outside business activities. ITEM 5. ADDITIONAL COMPENSATION Richard Osikowicz does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � icer of Glass Jacobson, who con Mr. Osikowicz advisory activities are supervised by the Managing Members of the Company, Michael Cohen, Jonathan Dinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384- 6888. Mr. Osikowicz may recommend to clients only those securities and other investments that are included on the � Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an administrative of irms that trades placed for client accounts are limited to securities appearing on such “approved” list. 15  George R. Toulson Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about George Toulson and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this supplement. Additional information about Mr. Toulson is available on the SEC’s website at . ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE � ied He received a B.A. in Economics from Yale University in 1994, and is a Chartered Financial Analyst, and Certi Financial Planner®. Mr. Toulson holds the following professional designations: CFA®, CFP® Mr. Toulson was born in 1972 and joined Glass Jacobson in 2021 as an investment advisor representative. He holds a dual registration with Mercer Global Advisors, Inc., as Sr. Wealth Advisor, joining Mercer in December 2025. Since 2019 he worked as a Private Wealth Advisor at Wick Capital Partners. A Chartered Financial Analyst (CFA®) � � charter is a designation given to those who have completed the CFA® Program and completed acceptable work experience requirements. The CFA Program is a three-part exam that tests the fundamentals of investment tools, valuing assets, portfolio management, and wealth planning. The CFA Program inance, accounting, economics, or business. CFA charterholders is typically completed by those with backgrounds in earn the right to use the CFA designation after program completion, application, and acceptance by CFA Institute. CFA charterholders are quali ied to work in senior and executive positions in investment management, risk management, asset management, and more. CERTIFIED FINANCIAL PLANNERTM (CFP®). � The CERTIFIED FINANCIAL PLANNERTM (CFP®) certification is � ITEM 3. DISCIPLINARY INFORMATION awarded by the Certi ied Financial Planner Board of Standards Inc. to individuals who meet education, examination, experience, and ethics requirements. Educational requirements include completing a set of courses inancial planning or, alternatively, previously achieved certain designations such as a CPA or attorney. on Currently, applicants must also pass a ten-hour examination, have at least three years of qualifying work experience in the profession, and must agree to adhere to a Code of Ethics. Every two years, all CFP® practitioners must meet re-accreditation requirements by obtaining 30 hours of continuing education credits, including two hours of ethics training. Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about George Toulson. Other public information on George Toulson is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES George Toulson does engage in outside business activities. � � Mr. Toulson holds a minority membership interest in UNLTD Sports Group LLC, a Delaware limited liability company that provides sports management, representation, and marketing to professional athletes (“UNLTD”). Mr. Toulson does not actively participate in the management of UNLTD. To eliminate any potential con lict that could arise between Mr. Toulson’s association with the Company and his membership interest UNLTD, the Company has prohibited Mr. Toulson and all its investment adviser representatives from recommending investment in UNLTD. As Mr. Toulson has maintained a close working relationship with the principals of UNLTD, UNLTD may refer its clients licts, neither Mr. Toulson nor to Mr. Toulson for investment advisory services. In such cases, to avoid potential con 16 the Company will compensate UNLTD for these referrals. Any UNLTD clients referred to Mr. Toulson for investment  � advisory services are under no obligation to accept investment advisory services from Mr. Toulson or any other investment adviser representative of the Company. Additionally, to any client of UNLTD that is referred to Mr. Toulson, Mr. Toulson will disclose in writing that he holds a minority membership interest in UNLTD. The Company lict related to UNLTD referring its clients to Mr. Toulson for investment advisory believes that any potential con services is addressed by this manner of disclosure in this brochure supplement. � � Mr. Toulson also holds minority membership interests in DB Game, LLC (“DB Game”) and DB Game II, LLC (“DB Game II”), each a Delaware limited liability company. DB Game and DB Game II were formed for the sole purpose of investing in the preferred stock of HiDef Inc., a Nevada corporation (“HiDef”). HiDef, formerly DanceBattle, Inc., is a media, entertainment and technology company focused on creating and delivering state-of-the-art video game content experiences across all digital platforms to consumers primarily in North America and the European Union. Mr. Toulson is the managing member of both DB Game and DB Game II. As managing member, Mr. Toulson does actively participate in the management of either company. DB Game is available to investors as a private offering. To eliminate any potential con licts that could arise between Mr. Toulson’s association with the Company and his membership in interest in DB Game and DB Game II, as well as his indirect investment in HiDef, the Company has prohibited all its investment adviser representatives, including Mr. Toulson, from recommending to the Company’s clients that they invest in DB Game, DB Game II, and/or HiDef. In circumstances where an individual has, prior to becoming a client of the Company, invested in DB Game, DB Game II, or HiDef, the investment adviser representatives of the Company, including Mr. Toulson, are required to disclose in writing Mr. Toulson’s relationship with these entities, as applicable, before providing any investment advice relating to any of the entities. The Company believes lict of interest related to DB Game, LLC and DB Game II, and Mr. Toulson is addressed by this that any potential con manner of disclosure in this brochure supplement. Glass Jacobsons’ clients are never obligated or required to purchase products, services, or engage with advisors’ outside business activities ITEM 5. ADDITIONAL COMPENSATION George Toulson does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � icer of Glass Jacobson, who con irms that trades placed for client accounts are limited to Mr. Toulson’s advisory activities are supervised by the Managing Members of the Company, Michael Cohen, Jonathan Dinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384- 6888. Mr. Toulson may recommend to clients only those securities and other investments that are included on the � Company’s current list of “approved” investments. Thus, his advice and recommendations to clients are monitored by an administrative of securities appearing on such “approved” list. 17  Marina Sidelnikova Glass Jacobson Investment Advisors, LLC 10055 Red Run Boulevard, Suite 160 Owings Mills, MD 21117 443-384-6888 www.glassjacobson.com March 11, 2026 � www.adviserinfo.sec.gov This brochure supplement provides information about Marina Sidelnikova, and supplements the information contained in the brochure of Glass Jacobson Investment Advisors, LLC (“Glass Jacobson” or the “Company”). You should have received a copy of that brochure. Please contact Jonathan Dinkins, Chief Compliance Of icer of Glass Jacobson, if you did not receive Glass Jacobson’s brochure or if you have any questions about the contents of this . supplement. Additional information about Ms. Sidelnikova is available on the SEC’s website at ITEM 2. EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE She graduated with a M.S. in Physics from Kishinev State University in 1984, and earned her MBA from Loyola College of Maryland in 2007. Ms. Sidelnikova currently holds the following professional designation: CPWA® and AIF®. � SM Ms. Sidelnikova was born in 1961 and joined Glass Jacobson as an investment advisor representative in 2007. S h e holds a dual registration with Mercer Global Advisors, Inc., as Sr. Wealth Advisor, joining Mercer in December 2025. Certi�ied Private Wealth AdvisorSM (CPWA®). � The Certi ied Private Wealth Advisor � � � ication are a full � � � ication. � (CPWA®) is an advanced ically for wealth managers and advisors who work with high-net-worth clients on the life credential created speci ive cycle of wealth: accumulation, preservation, and distribution. Prerequisites for CPWA certi inancial services or a related industry, Bachelor’s degree from years of professional client-centered experience in an accredited college or University and an acceptable regulatory history. To obtain the CPWA certi ication, candidates must complete 6 months of pre-study education and online quizzes, successfully complete a 5-day in inal CPWA exam. CPWA designees are required to adhere to the Investment class program and pass the Management Consultants Association’s code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CPWA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certi Accredited Investment Fiduciary (AIF®). � The Accredited Investment Fiduciary (AIF®) certi � � � � � ies that the recipient iduciary standards of care, their application to the investment management process, has advanced knowledge of and procedures for assessing conformance by third parties to iduciary standards. To be eligible to receive the AIFA designation, individuals must have already completed the AIF training program and passed the AIF exam and meet a minimum prerequisite score based on the candidate’s educational background and professional training and � inancial services and auditing. To receive the AIFA designation, individuals must complete experience in investing, a training program, successfully pass a comprehensive, closed-book inal examination under the supervision of a proctor and agree to abide by the AIFA Code of Ethics. In order to maintain the AIFA designation, the individual must irmation of the AIFA Code of Ethics and complete ten hours of continuing education credits. annually renew their af The certi ication is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 ( i360) company). ITEM 3. DISCIPLINARY INFORMATION Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is NO applicable information to disclose about Marina Sidelnikova. Other public information on Marina Sidelnikova is available on the SEC’s website at www.adviserinfo.sec.gov. ITEM 4. OTHER BUSINESS ACTIVITIES Marina Sidelnikova does engage in outside business activities. 18 •6/1/2007, Landlord, Rental Property A  Duties include: Collect rent, pay bills, and update lease annually. This outside business activity is investment- related. Marina Sidelnikova dedicates less than 1 hour(s) a month to this outside business activity. •9/1/2001, Landlord, Rental Property B Duties include: Collect rent, pay bills, and update lease annually. This outside business activity is investment- related. Marina Sidelnikova dedicates less than 1 hour(s) a month to this outside business activity. Glass Jacobsons’ clients are never obligated or required to purchase products, services, or engage with advisors’ outside business activities. ITEM 5. ADDITIONAL COMPENSATION Marina Sidelnikova does not receive any economic benefit from any person, company, or organization, other than Glass Jacobson in exchange for providing clients advisory services through Glass Jacobson. ITEM 6. SUPERVISION � � icer of Glass Jacobson, who con Ms. Sidelnikova’s activities are supervised by the Managing Members of the Company, Michael Cohen, JonathanDinkins and Edward Jacobson. Each of Messrs. Cohen, Dinkins and Jacobson can be reached at 443-384-6888. Ms. Sidelnikova may recommend to clients only those securities and other investments that are included on the Company’s current list of “approved” investments. Thus, her advice and recommendations to clients are monitored by irms that trades placed for client accounts are limited to an administrative of securities appearing on such “approved” list. 19